J3659 – Credit Underwriter – UK, Birmingham (Hybrid) – Asset Finance

Excellent salary and benefits.

Location: UK, Birmingham (Hybrid).

New Leaf Search is partnering with an established UK Asset group in its search for a Credit Underwriter.

This is an excellent opportunity for an experienced underwriter to join a busy central credit function, assessing Asset Finance proposals across a varied portfolio of hard and soft assets together with unsecured lending.

You will use financial accounts, credit searches, business information and commercial judgement to assess risk and make well-reasoned underwriting decisions, while working closely with sales and support teams to ensure appropriate and commercially balanced outcomes.

Key Accountabilities

• Deliver risk-based assessments of incoming Asset Finance proposals.
• Make underwriting decisions using credit searches, financial accounts, cash flow analysis and relevant business information.
• Assess large volumes of customer and business information to determine appropriate levels of credit risk.
• Clearly justify underwriting decisions and provide constructive feedback to sales and support teams.
• Assist with the preparation and presentation of credit papers for senior approval.
• Support new initiatives, pilot schemes and improvements to underwriting processes.
• Participate in the testing and implementation of new systems and procedures.
• Review completed transactions through post-payout auditing and recommend improvements where appropriate.
• Work collaboratively with colleagues to maintain an efficient underwriting workflow.

Person Specification

• Previous underwriting experience within Financial Services, preferably Asset Finance and Leasing.
• Existing underwriting mandate and confidence making sound credit decisions.
• Strong understanding of Asset Finance and the differing risk characteristics of hard and soft assets.
• Ability to analyse financial statements, profit and loss accounts, balance sheets and debt servicing capability.
• Strong analytical skills with excellent attention to detail.
• Good commercial judgement and stakeholder management skills.
• Excellent written and verbal communication skills.
• Highly organised with the ability to manage changing workloads and priorities.
• Comfortable using Excel, Word, CRM and other credit-related systems.

We strongly favour applicants with proven, relevant experience in Financial Services, particularly in Asset Finance and Leasing. Relevant IN-COUNTRY experience is required; applications without it will not be considered.

Contact us for a confidential discussion.

📩 Apply in confidence by sending your CV.

Job Reference:	J3659
Contract Type:	Permanent
Remote Working:	Hybrid
Location:	Birmingham
Consultant:	Jane Theobald
Function:	Credit / Risk
Contact phone:	0203 740 7222
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